it's written into the law and was explained by secretary sebelius when the rule was published. in 2010. now, however if you are in the individual market and your insurance company changed your plan, downgraded it, that, your insurance has to meet the basic standards set by the affordable care act and what our job is and the failure of the website to function effectively has made this job more difficult is to make sure those americans that portion of 5% of the population are getting the information they need to know that they can avail themselves, half of them, of tax credits that will make their insurance cheaper than it otherwise would be. that in all situations for them, the insurance options they have available to them is better, more quality coverage. than what they're getting now. and as the president said in boston and said again last night, there will be a portion of them, smaller portion of those individuals who play, will pay higher premiums. at least on the front end. and the president talked about that in boston. talked about it again last night. we're focused on all